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Amazon Pay

  • Digital Wallets

Amazon Pay is a payment provider that enables shoppers to pay on a merchant site or app using their Amazon account and stored payment method

Struggling with your approval ratio for this payment provider?

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Published
Last updated
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Amazon Pay
Amazon Pay payment phone

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Amazon Pay Company Overview

Foundation
2007
Stock ID
NASDAQ:AMZN
Company Type
public
Employees
1,500,000+
Location
USAUSA
Channel
Online

Features

Merchant checkout acceptance

Offer Amazon Pay as an additional payment option alongside cards and other wallets. Useful for web and in-app checkouts where shoppers want a fast login-based experience.

Authorization outcomes & declines visibility

Track authorization success and declines through your Amazon Pay reporting and your PSP dashboards (if applicable). Use decline reason details to guide retries and customer messaging.

Approval-rate sensitive optimization

Monitor approval rates by device, country, and order value to spot friction points. Consider routing rules and fallback options if Amazon Pay declines are a material share of failures.

Security & data handling

Uses account-based authentication and tokenized payment handling to reduce exposure of raw card data at checkout. Align internal processes to your security and privacy requirements.

Authentication and customer experience

Customers authenticate with their Amazon account, which can support a streamlined checkout flow. Make sure your UX clearly distinguishes Amazon Pay from card entry to prevent confusion.

Disputes and chargeback handling

Disputes may involve both Amazon Pay workflows and your underlying payment method rules. Keep clear order evidence and consistent refund timelines to reduce dispute escalation.

Refunds and post-purchase operations

Support common post-purchase actions such as refunds through the provider tools and your commerce platform integration. Reconcile payouts and refunds against your order system for clean accounting.

Reliability and monitoring

Use status/incident updates and your own monitoring to track checkout availability. Maintain a backup payment method mix to reduce impact during provider or integration issues.

Tip from SmartRetry If you see elevated Amazon Pay declines, segment by country, device, and order value, then adjust checkout messaging and ensure a clear fallback payment option is available.

Currencies

Processing currenciesUSD, EUR, GBP, JPY, AUD, CAD, CHF, SEK, DKK, NOK

Available in

Available countries
  • Global

FAQ

Amazon Pay is a payment provider (wallet-style checkout option). You may still use a separate PSP/acquirer for card processing and for other payment methods on your site.
Common drivers include insufficient funds, issuer declines on the underlying payment method, identity or risk checks, or customer authentication issues. Review decline categories in reporting, test the full checkout flow on key devices, and
Amazon Pay availability is regional and depends on the Amazon Pay program in your merchant region, supported currencies, and your commerce platform integration. Confirm eligibility and supported markets in Amazon Pay documentation for your
Yes. Most merchants position Amazon Pay as an additional express checkout option while keeping card entry and other local methods available for coverage and fallback.
Refunds are typically initiated from your Amazon Pay merchant tools or via your platform/PSP integration, then reflected in your order management and reconciliation. Keep refund timing and partial refund behavior consistent with your return

Statuses

StatusesAll
CodeDescriptionLevelFrequencyResolution
Payment Status
Open

Checkout Session Open

Initial state of a Checkout Session. Merchant can retrieve buyer details and update payment information. Session expires to Canceled state if the buyer does not complete checkout within 24 hours.

Pending, InfoCommonT0
Canceled

Checkout Session Canceled

Checkout was not successfully completed due to buyer abandonment, payment decline, session expiry, or failure to confirm with Complete Checkout Session. Review reasonCode for specific cause.

Error, DeclineCommonT0
Declined

Payment Declined (Checkout)

Generic checkout session decline reason code covering fraud declines, failure to complete MFA challenge, and issues with the payment instrument. Review Charge object for specific decline reason.

Decline, ErrorCommonT2
InvalidChargePermissionStatus

Invalid Charge Permission Status

An operation was attempted on a Charge Permission that is in a state where that operation is not allowed (e.g., trying to charge a Closed permission). HTTP 422.

ErrorOccasionalT0
InvalidChargeStatus

Invalid Charge Status

An operation was attempted on a Charge object in a state where the operation cannot be called (e.g., capturing an already-captured charge). HTTP 422.

ErrorOccasionalT0
InvalidCheckoutSessionStatus

Invalid Checkout Session Status

An operation was attempted on a Checkout Session in a state where it is not allowed (e.g., updating a Completed or Canceled session). HTTP 422.

ErrorOccasionalT0
InvalidAccountStatus

Invalid Account Status

The merchant or buyer account is not in an appropriate state to execute this request (e.g., account suspended or registration incomplete). Visit Seller Central for more information. HTTP 403.

ErrorRareT1
Charge Status
Authorized

Charge Authorized

The payment was successfully authorized. Funds are reserved on the buyer's account. Capture must be initiated separately, or the authorization expires after 30 days.

Success, PendingCommonT0
Captured

Charge Captured

The payment was successfully captured. Funds have been collected from the buyer. Eligible for refund operations.

SuccessCommonT0
ChargePermissionCanceled

Charge Permission Canceled

The Charge Permission used to create this Charge was canceled by the merchant with cancelPendingCharges=true, which also canceled this Charge.

InfoRareT0
Chargeable

Charge Permission Chargeable

The Charge Permission is active with no constraints. It can be used to create new Charges against the buyer's payment method.

Success, InfoCommonT0
NonChargeable

Charge Permission Non-Chargeable

The Charge Permission cannot currently be used to charge the buyer due to one or more constraints (e.g., payment method expired, deleted, or invalid). Review the reasonCode for the specific constraint.

Error, DeclineOccasionalT2
MerchantClosed

Charge Permission Merchant Closed

The merchant explicitly closed the Charge Permission via Cancel ChargePermission operation, or it was closed because Complete Checkout Session was not called.

InfoOccasionalT0
BuyerClosed

Charge Permission Buyer Closed

The buyer closed the Charge Permission from their Amazon account.

InfoOccasionalT0
AmazonClosed

Charge Permission Amazon Closed

Amazon closed the Charge Permission because the amountBalance has been fully consumed (no remaining balance).

InfoOccasionalT0
ChargePermissionExpired

Charge Permission Expired

The Charge Permission has expired (180 days for one-time, 13 months for recurring unless extended by a new charge). No further charges can be made. Re-engage the buyer to create a new Charge Permission.

ErrorOccasionalT3
Refund Status
Refunded

Refund Completed

The refund has been successfully processed and the buyer has been refunded. The refunded amount is reflected in the Charge object's refundedAmount field.

Success, InfoOccasionalT0
RefundPending

Refund Pending

The refund is pending processing. Amazon Pay will attempt to process the refund and notify via IPN when the state changes.

PendingOccasionalT0
RefundDeclined

Refund Declined

The refund was declined. Contact Amazon Pay merchant support to investigate the specific cause and resolution.

Error, DeclineRareT1
Error Codes
Completed

Checkout Session Completed

Checkout was successfully completed after calling Complete Checkout Session. The payment intent was finalized. Returns ChargePermissionId and ChargeId for subsequent operations.

SuccessCommonT0
BuyerCanceled

Buyer Canceled Checkout

The buyer canceled the checkout by clicking the 'Return to previous page' button on the Amazon Pay hosted page. No charge was made.

InfoCommonT0
Expired

Checkout Session Expired

The Checkout Session expired 24 hours after creation because there was no redirect to amazonPayRedirectUrl, the buyer did not complete payment, or checkout was not confirmed with Complete Checkout Session.

ErrorOccasionalT0
AmazonCanceled

Amazon Canceled Transaction

Amazon canceled the transaction due to service unavailability. This is not a payment-associated cancellation. Retry or re-engage the buyer.

ErrorOccasionalT0
AuthorizationInitiated

Authorization Pending (Async)

Charge is in a pending state because canHandlePendingAuthorization was set to true. Amazon Pay is processing the authorization asynchronously. Await IPN notification or poll for result within 24 hours.

PendingOccasionalT0
CaptureInitiated

Capture in Progress

Charge capture is being processed. The Charge will move to either Captured or Declined state depending on the outcome. Occurs when capture is initiated more than 7 days after authorization.

PendingOccasionalT0
SoftDeclined

Soft Decline

The charge was soft declined by the issuing bank or payment processor. Retry attempts may or may not succeed. If repeated retries fail, contact the buyer and ask them to choose a different payment instrument.

DeclineCommonT0
HardDeclined

Hard Decline

The charge was hard declined. Retry attempts will not succeed. Contact the buyer immediately and have them choose a different payment instrument. The Charge Permission may also be closed.

DeclineOccasionalT3
AmazonRejected

Amazon Rejected

Amazon declined the charge based on risk or fraud rules. The associated Charge Permission will also be canceled. Do not retry. Contact the buyer to use an alternative payment method.

Decline, ErrorOccasionalT3
ProcessingFailure

Processing Failure

Amazon could not process the Charge due to an internal processing error. Retry only if the Charge Permission is in the Chargeable state. HTTP 500.

ErrorOccasionalT1
TransactionTimedOut

Transaction Timed Out

If canHandlePendingAuthorization=false: Amazon Pay did not have enough time to process the authorization (exceeded 15s US/EU/UK or 30s JP timeout). If canHandlePendingAuthorization=true: Amazon Pay could not determine the validity of the order within 24 hours. Contact the buyer to use another payment method.

Decline, ErrorOccasionalT0
StopShipmentAtypicalAuth

Stop Shipment - Atypical Authorization

There are signs of unusual activity indicating the merchant should NOT proceed with fulfillment. Appears as a reason code on Authorized, CaptureInitiated, and Captured states. Investigate before shipping.

Error, DeclineRareT1
ExpiredUnused

Authorization Expired Unused

The Charge remained in the Authorized state for 30 days without being captured and has now expired. Create a new Charge to collect payment.

ErrorOccasionalT0
MerchantCanceled

Merchant Canceled Charge

The merchant explicitly canceled the Charge using the Cancel Charge operation, or the Charge was closed because the merchant did not call Complete Checkout Session.

InfoOccasionalT0
PaymentMethodInvalid

Payment Method Invalid

The previous charge was declined, rendering the payment method invalid. For recurring permissions, follow the decline handling flow. For one-time permissions, ask the buyer to select a different payment method.

Decline, ErrorCommonT2
PaymentMethodDeleted

Payment Method Deleted

The buyer has deleted the selected payment method from their Amazon account. Re-engage the buyer to select a new payment instrument.

Decline, ErrorOccasionalT3
BillingAddressDeleted

Billing Address Deleted

The buyer has deleted the billing address associated with the selected payment method. The buyer must update their billing address to make the Charge Permission chargeable again.

ErrorRareT2
PaymentMethodExpired

Payment Method Expired

The selected payment method (e.g., credit card) has expired. The buyer must update or replace the payment instrument in their Amazon account.

Decline, ErrorCommonT3
PaymentMethodNotAllowed

Payment Method Not Allowed

The payment method selected by the buyer is not allowed for this Charge or Charge Permission (e.g., the merchant has restricted certain payment types). The buyer must choose a different payment method.

Decline, ErrorOccasionalT3
PaymentMethodNotSet

Payment Method Not Set

There is no payment method associated with this Charge Permission. The buyer must complete checkout and associate a valid payment instrument.

ErrorOccasionalT0
TransactionAmountExceeded

Transaction Amount Exceeded

The charge amount exceeds the remaining amountBalance on the Charge Permission (one-time or monthly recurring limit). The monthly limit resets each calendar month for recurring permissions. HTTP 400.

ErrorOccasionalT2
PeriodicAmountExceeded

Periodic Amount Exceeded

The monthly maximum charge amount allowed for a recurring Charge Permission has been exceeded. The limit resets every calendar month. HTTP 400.

ErrorOccasionalT2
TransactionCountExceeded

Transaction Count Exceeded

The maximum number of successfully captured Charges for this Charge Permission has been reached (limit: 1 per one-time Charge Permission). HTTP 422.

ErrorOccasionalT2
MFAFailed

MFA Failed (Charge Permission)

The buyer did not complete multi-factor authentication for the Charge Permission. No charge can be initiated until the buyer verifies the transaction amount.

Decline, ErrorOccasionalT2
MFANotCompleted

MFA Not Completed (Charge)

Multi-factor authentication is required but was not completed by the buyer for this specific transaction. HTTP 422.

Decline, ErrorOccasionalT2
TransactionInProgress

Transaction In Progress

A duplicate request was sent with the same idempotency key or a concurrent request was made on the same resource while the original is still processing. Wait for the regional SLA (15s for US/EU/UK, 30s for JP) before retrying. HTTP 425.

ErrorOccasionalT0
CheckoutSessionCanceled

Checkout Session Already Canceled

Checkout was unsuccessful because the buyer cancelled the transaction or payment was declined. The Checkout Session is in a Canceled state and cannot be used again. HTTP 422.

Error, DeclineOccasionalT0
AmountMismatch

Amount Mismatch

The chargeAmount in the Complete Checkout Session request does not match the chargeAmount set on the Checkout Session object. Amounts must match to prevent fraud. HTTP 409.

ErrorOccasionalT0
CurrencyMismatch

Currency Mismatch

The currency code provided in the Charge or Complete Checkout Session request does not match the presentmentCurrency set during checkout. HTTP 400.

ErrorOccasionalT0
DuplicateIdempotencyKey

Duplicate Idempotency Key

The IdempotencyKey specified in the request was already used in a different (non-identical) request and cannot be reused. Generate a new unique IdempotencyKey. HTTP 400.

ErrorOccasionalT0
ResourceNotFound

Resource Not Found

The requested resource (Checkout Session, Charge, or Charge Permission) could not be found. Amazon Pay permanently deletes objects after 30 days. HTTP 404.

ErrorOccasionalT0
InvalidHeaderValue

Invalid Header Value

An invalid value was submitted for one or more API request header parameters. Check the message element for specifics. HTTP 400.

ErrorCommonT0
InvalidRequest

Invalid Request

The API request is invalid. Check the message element in the response for details on which field or parameter is invalid. HTTP 400.

ErrorCommonT0
InvalidParameterValue

Invalid Parameter Value

An invalid value was submitted for one or more API call parameters. Check the message element for details. HTTP 400.

ErrorCommonT0
InvalidRequestFormat

Invalid Request Format

The request body was submitted in invalid JSON format. Validate and correct the JSON structure before retrying. HTTP 400.

ErrorCommonT0
MissingHeader

Missing Header

One or more required header parameters are missing from the API call. Check the message element for which headers are required. HTTP 400.

ErrorOccasionalT0
MissingParameterValue

Missing Parameter Value

One or more mandatory request parameters are missing from the API call. Check the message element to identify the required fields. HTTP 400.

ErrorCommonT0
UnrecognizedField

Unrecognized Field

An invalid or unrecognized field was passed in the request body. Remove the unrecognized field and retry. HTTP 400.

ErrorOccasionalT0
InvalidSandboxSimulationSpecified

Invalid Sandbox Simulation

An invalid operation was attempted for the Sandbox environment (e.g., unsupported simulation string). Check the message element for details. HTTP 400.

ErrorRareT0
InvalidParameterCombination

Invalid Parameter Combination

An invalid combination of parameters was submitted (e.g., setting canHandlePendingAuthorization=true with AuthorizeWithCapture paymentIntent). Correct the parameter combination. HTTP 400.

ErrorOccasionalT0
UnauthorizedAccess

Unauthorized Access

The merchant account is not authorized to execute this request (e.g., attempting delegated authorization without proper permissions). HTTP 401.

ErrorOccasionalT1
InvalidAuthentication

Invalid Authentication

Authentication was not successful. Check the status of your API credentials in Seller Central. HTTP 403.

ErrorOccasionalT1
InvalidRequestSignature

Invalid Request Signature

The signature in the Authorization header of the API call is invalid. Verify the signing process and credentials. HTTP 403.

ErrorOccasionalT1
InvalidAuthorizationToken

Invalid Authorization Token

The authorization token passed in the request is not valid or has expired. Refresh the token and retry. HTTP 403.

ErrorOccasionalT0
UnsupportedOperation

Unsupported Operation

The operation is not supported on the specified resource. HTTP 405.

ErrorRareT1
RequestNotSupported

HTTP Method Not Supported

The HTTP method used is not supported for this endpoint. Check the message element for supported methods. HTTP 405.

ErrorOccasionalT0
RequestTimeout

Request Timeout

The API request timed out. Retry the request immediately. However, retry does not guarantee a successful response. HTTP 408.

ErrorOccasionalT0
TLSVersionNotSupported

TLS Version Not Supported

The TLS version used is not supported. Upgrade to the latest SSL/TLS version (TLS 1.2 or higher). HTTP 426.

ErrorRareT1
TooManyRequests

Too Many Requests

The request is being throttled due to too many requests in a given time window. Implement exponential back-off and retry. HTTP 429.

ErrorOccasionalT0
InternalServerError

Internal Server Error

An unknown error occurred in the Amazon Pay service. Retry with exponential back-off. HTTP 500.

ErrorOccasionalT0
ServiceUnavailable

Service Unavailable

The Amazon Pay service is temporarily unable to handle the request due to overload or maintenance. Retry with exponential back-off. HTTP 503.

ErrorOccasionalT0
CheckoutResultReturnUrlNotSet

Constraint: Checkout Result URL Not Set

The checkoutResultReturnUrl has not been set on the Checkout Session. Set this URL before redirecting the buyer to amazonPayRedirectUrl.

ErrorOccasionalT0
ChargeAmountNotSet

Constraint: Charge Amount Not Set

The chargeAmount has not been set on the Checkout Session. Required when paymentIntent is Authorize or AuthorizeWithCapture.

ErrorOccasionalT0
PaymentIntentNotSet

Constraint: Payment Intent Not Set

The paymentIntent has not been set on the Checkout Session. Must be set to Confirm, Authorize, or AuthorizeWithCapture before checkout can proceed.

ErrorOccasionalT0
BuyerNotAssociated

Constraint: Buyer Not Associated

No buyer has been associated with the Checkout Session yet. Return the checkoutSessionId to the Amazon Pay Button to allow the buyer to log in and associate their account.

ErrorOccasionalT0
RecurringFrequencyNotSet

Constraint: Recurring Frequency Not Set

The frequency has not been set on the Checkout Session for a recurring Charge Permission request. Set recurringMetadata.frequency before proceeding.

ErrorOccasionalT0

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